Which type of card program may provide Enhanced Data?

The type of card program that may provide Enhanced Data is the commercial, purchasing, fleet, or business card program. Enhanced Data refers to additional transaction details that can accompany the payment, such as line-item details, merchant category codes, and information about the specific goods or services purchased.

Commercial card programs, including purchasing and fleet cards, are designed for businesses and often have more sophisticated reporting and data management capabilities than other card types. They allow organizations to track spending closely, manage budgets effectively, and streamline procurement processes. The enhanced data associated with these transactions can provide organizations with insights into spending patterns, supplier performance, and compliance with corporate purchasing policies.

In contrast, gift card programs typically do not provide this level of transaction detail as they are designed for simple prepaid purchases. Personal credit cards, while they may offer some level of transaction detail, do not typically include the comprehensive data available in commercial card programs. Rewards card programs focus on consumer incentives and accumulation of points, and while they may track spending, they do not necessarily enhance the data available for business analysis in the same way as commercial card programs do.